Today’s top story: How to tell if that IRS tax collection call is fake. Also in the news: Strategies to maximize your child’s financial aid eligibility, how to lower your cell phone bill, and how to prevent a divorce from ruining your finances.

Today’s top story: Balance transfer mistakes to avoid. Also in the news: What to do with an unexpected windfall, the savings cell phone carriers don’t want you to know about, and the eight loans to use for paying college tuition.

Today’s top story: Why Millennials may not be able to retire until their 70s. Also in the news:How to avoid cell phone bill surprises, the pros and cons of taking social security early, and how to calculate if you can refinance your home.